'Tis the Season for Giving'Tis the Season for Giving

As the year comes to a close, we wanted to ask you, our customers and community members, which local nonprofit deserves our financial assistance. Through our Caring for Community Giveaway, we will randomly award $5,000 to a deserving, local, nonprofit organization nominated by the members of the community it serves.


Passing Assets to Loved Ones Efficiently

Curtis Johnston, Financial Advisor, Univest Investments, Inc.

When we leave this world, we ideally would like our remaining assets to be transferred to our intended beneficiaries with ease and without the IRS taking taxes. One of the easiest and most tax-friendly transfers can be through the use of life insurance.


If a Tree Falls,
Who Pays?

Christie D. Lightfoot, Senior Vice President, Univest Insurance, Inc.

Many trees fell in our area during Hurricane Sandy, leaving a lot of people to ask: who is responsible for the cost of cleaning them up and repairing any damage? Here is a general summary of what your homeowners insurance may or may not cover.

The Complete
Estate Plan

John Kazary, Esq., CTFA, Vice President and Senior Financial Advisor, Univest Bank and Trust Co.

A complete estate plan should address the enjoyment of life in retirement, preparation for possible incapacity and the transition of property at death.

Banking on Convenience

Louis Spinelli, Executive Vice President and Director of Consumer Strategy & Delivery, Univest Bank and Trust Co.

In addition to in-person service at financial service centers, technology advances have created new options that save our customers time and trips to the bank. Here are four great services that will make your banking life a little easier.


Getting a Mortgage After a Natural Disaster

Ed Hughes, President, Mortgage Banking, Univest Bank and Trust Co.

How do natural disasters like Hurricane Sandy affect those people who are in the midst of, or considering, buying or refinancing a home? Read on to find out.


Annual Gift-Giving

Bryce J. Bergey, Vice President, Institutional Investments, Univest Bank and Trust Co.

It is better to give than to receive – particularly if your assets are substantial and you're seeking ways to potentially reduce gift and estate taxes.

At Univest, we are committed to protecting your personal and financial information. As your financial partner, we strive to provide you with the tools you need to manage and safeguard your assets. Awareness is one of the best ways to help protect against fraud and identity theft. Please visit www.univest.net/security-center to learn more.


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